Car Insurance
- Consumers Insurance
- Liberty Mutual
- Both
Consumers Insurance vs Liberty Mutual Car Insurance
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Last Updated: January 2022
Ratings
Insurify Composite Score
Consumers Insurance
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Insurify Composite Score
Liberty Mutual
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Insurify Composite Score
Consumers Insurance VS Liberty Mutual
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User Ratings
| Options | Consumers Insurance  | Liberty Mutual |
|---|---|---|
| Rating/Reviews | 0 reviews | 857 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | Consumers Insurance | Liberty Mutual |
|---|---|---|
| Call Center Representative | -- | About average |
| Insurer Website | -- | Better than most |
| Local Agent | -- | Better than most |
| Overall Satisfaction | -- | About average |
| Policy Offerings | -- | Better than most |
| Pricing | -- | About average |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | Consumers Insurance | Liberty Mutual |
|---|---|---|
| Claim Servicing | -- | The rest |
| Estimation Process | -- | The rest |
| First Notice of Loss (FNOL) | -- | About average |
| Overall Satisfaction | -- | The rest |
| Rental Experience | -- | About average |
| Repair Process | -- | About average |
| Settlement | -- | The rest |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | Consumers Insurance | Liberty Mutual |
|---|---|---|
| California | -- | 816 pt About average |
| Central | -- | 806 pt The rest |
| Florida | -- | 805 pt The rest |
| Mid-Atlantic | -- | 801 pt The rest |
| New England | -- | 809 pt About average |
| New York | -- | 818 pt About average |
| North Central | -- | 812 pt The rest |
| Northwest | -- | 807 pt About average |
| Southeast | -- | 814 pt The rest |
| Southwest | -- | 811 pt About average |
| Texas | -- | 807 pt The rest |
Mobile App Ratings ℹ
| Region | Consumers Insurance | Liberty Mutual |
|---|---|---|
| Android | -- | 2,531 Reviews |
| iOS | -- | 12,900 Reviews |
Financial Ratings
| Options | Consumers Insurance | Liberty Mutual |
|---|---|---|
| A.M. Best | -- | A |
| Fitch | -- | A- |
| Moody's | -- | A2 |
| Standard & Poor's | -- | A |
Quotes & Discounts
| Discount type | Consumers Insurance | Liberty Mutual |
|---|---|---|
| Anti-Theft Device | Varies | Up to 25% |
| Driving training | Varies | Up to 30% |
| Empty Nester | Varies | -- |
| Good Driver | Varies | -- |
| Good Student | Varies | Up to 22% |
| Loyalty | Varies | -- |
| Married Professional | Varies | -- |
| Multiple Policy | Varies | Varies |
| Preferred payment | Varies | Varies |
| Accident Free | -- | Varies |
| Accident Prevention Course | -- | Varies |
| Advance shopper | -- | Up to 45% |
| Anti-lock Brake | -- | Varies |
| ByMile | -- | Varies |
| Claims Free Renewal | -- | Varies |
| EV/Hybrid | -- | Varies |
| Early Shopper | -- | Varies |
| Electronic Stability Control | -- | Varies |
| Home Owner | -- | Varies |
| Military | -- | Varies |
| Multiple Vehicle | -- | Up to 5% |
| New Graduate | -- | Varies |
| New Teen Driver | -- | Varies |
| Newlywed | -- | Varies |
| Organization | -- | Varies |
| Paid in full | -- | Varies |
| Paperless documents | -- | Varies |
| Passive Restraint | -- | Up to 20% |
| Policy Update/Extension | -- | Varies |
| RightTrack | -- | Up to 30% |
| Safety Feature | -- | Varies |
| Senior Adult | -- | Varies |
| Signing documents when you buy online | -- | Varies |
| Starting your auto quote online | -- | Up to 12% |
| Student Away at School | -- | Varies |
| teenSMART | -- | Varies |
Payment Methods
| Discount type | Consumers Insurance | Liberty Mutual |
|---|---|---|
| Automatic Online Payment ℹ |  | |
| Bank Payment/Direct Deposit | -- | |
| Credit Card Payment | | |
| Debit Card Payments | -- | |
| Electronic Check ℹ | -- | |
| Mail Payment ℹ | | |
| Mobile App Payments ℹ | -- | |
| Online Payment ℹ | | |
| PayPal | | -- |
| Payroll Deduction ℹ | -- | |
| Phone Payment ℹ | | |
| Prepayment ℹ | -- | |
Features and Services
| Features and Services | Consumers Insurance | Liberty Mutual |
|---|---|---|
| 24/7 service | -- | |
| Accident forgiveness | -- | |
| Enhanced towing & substitute coverage | -- | |
| Mobile app | -- | |
| Online account management | | |
| Policy bundling discounts | -- | |
| Roadside assistance | | |
Optional Coverages
| Optional Coverages | Consumers Insurance | Liberty Mutual |
|---|---|---|
| Accident Forgiveness ℹ | -- | |
| Better Car Replacement ℹ | -- | |
| Emergency Assistance Coverage ℹ | -- | |
| Emergency Lockout Coverage ℹ | -- | |
| Gap Insurance ℹ | -- | |
| Legal Defense Costs Coverage ℹ | -- | |
| Lifetime Repair Guarantee ℹ | -- | |
| New Car Replacement Coverage ℹ | -- | |
| Original Equipment Manufacturer Coverage ℹ | -- | |
| Rental Reimbursement ℹ | -- | |
| Roadside Assistance ℹ | | |
| Teachers Insurance ℹ | -- | |
| Vanishing Deductible ℹ | -- | |
| Work Loss Coverage ℹ | -- | |
Insurance by State
Uber and Lyft driver insurance
- Consumers Insurance
- Liberty Mutual
- Both
SR-22 Insurance by State
- Consumers Insurance
- Liberty Mutual
- Both
Compare Insurance Products
| Product | Consumers Insurance | Liberty Mutual |
|---|---|---|
 Accident Insurance | -- | |
 ATV Insurance | -- | |
 Car Insurance | | |
 Boat Insurance | -- | |
 Business Insurance | | -- |
 Classic Car Insurance | -- | |
 Condo Insurance | -- | |
 Critical Illness Insurance | -- | |
 Dwelling Fire Insurance | -- | |
 Flood Insurance | -- | |
 Home Insurance | | |
 Identity Theft Insurance | -- | |
 Life Insurance | | |
 Mobile Home Insurance | -- | |
 Motorcycle Insurance | -- | |
 Pet Insurance | -- | |
 Renters Insurance | -- | |
 RV Insurance | | |
 Small Business Insurance | -- | |
 Tuition Insurance | -- | |
 Umbrella Insurance | | |
User Reviews
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
